NS Financial and Insurance Services Inc., is your first choice in independent insurance brokerage. we can provide you with the very best in insurance options available. We can assist you in providing for you and your family in the event of loss of life, or health perils.
We can also assist you in providing for your family with financial security in the event of your death.
Here are some reasons why people may avoid buying insurance.
- We don't want to think about unpleasant, frightening events such as death, illness or loss of property.
- We think that the likelihood of a given event happening to us is small, so we don't take the risk seriously.
- We would rather spend our money on concrete things in the here-and-now than put it aside for vague possibilities in the future.
- We're too busy living our lives and dealing with everyday concerns to think about what our needs might be down the road.
- We find the variety and features of different types of insurance confusing and overwhelming, so we don't act.
- We can't afford it.
Contact us Today, so we can discuss your insurance needs within your budget.
Life Insurance
We are an independent insurance brokerage which provides you with the very
best life insurance policies options available. We can assist you in providing
your family with financial security in the event of your death.
- Pay off mortgage and other debts
- Replace income
- Fund children’s education
- Pay for final expenses and funeral costs
- Set up an emergency fund;
- Can be directed to the Charities of your choose
Purchasing life insurance is one of the biggest decisions you will make in your life,
Contact Us for assistance in chooseing the product or service that is customized for your needs and budget. Today
Personal Health Coverage
Personal health insurance helps you pay for everyday health care expenses that are not covered under OHIP.
Similar to the benefits that you would receive if you had an employer group benefits plan, a personal health insurance plan can cover
- health care services
- dental care
- vision care
- prescription drugs
- income replacement
- travel insurance.
Contact Us for assistance in chooseing the product or service that is customized for your needs and budget.
Today
Replacement Health Coverage
RLosing your health and dental coverage offered through your employer? No problem. We have you covered. Replacement Health Coverage is the affordable way to stay protected from the high cost of health care when you’re no longer covered by an employer plan. With no medical questions and guaranteed acceptance, as long as your plan is effective within 60 days of losing your group benefits, it’s an easy way to replace your coverage.
- health care services
- dental care
- accidental dental
- private duty nurse
- Preferred Hospital Room
- Custom Made Foot Orthotics & Orthopedic Shoes
- Hearing Aids
- vision care
- prescription drugs
- Medical Equipment & Supplies
- income replacement
- travel insurance.
- Funeral Expenses (accidental death
Replacement Health Insurance can ensure you and your family health and dental needs are covered
Contact Us for assistance in chooseing the product or service that is customized for your needs and budget. Today
Disability Insurance Coverage
Why do you need diability insurance
You may not know it but you likely already have some fom of disability insurance. if you have a mortgage on your home, you have a line of credit, or you are part of a group plan at work, you may already have a limited amount of disabiltiy insurance.
Do I have enough?
The following just a few things to consider before you purchase a disabiltiy insurance plan.
- Self Employed ? If you are self employeed it disabiltiy insurance can ensure that you and your family are able to continue living the lifestyle that you do.
- Lifestyle: What does your current standard of living cost and how do you feel about having to cut back?
- Family responsibilities: How many people depend on your income? Are you a single parent or a non-custodial parent with financial responsibilities? Do you have parents or siblings who depend on your income?
- Employment flexibility: Would you be willing and able to change jobs?
- Debts: Who would make your mortgage and car loan payments, if your pay cheque stopped? How long would your savings last?
- Financial resources: How dependent are you on your pay cheque? Do you have savings, or investments that give you an income? How long would they realistically last?
Contact Us for assistance in chooseing the product or service that is customized for your needs and budget. Today
Student Studying Aboard
Are you an international student studying in Canada or a Canadian student studying full-time in another province or outside of Canada?
Your government health plan may not cover all – or any – of your medical expenses when you are studying away from home.
And while routine,
basic medical services can add up quickly, emergency medical expenses can easily cost thousands of dollars.
Further, most post-secondary schools require that you have a medical insurance plan before classes begin.
Some student medical and health care packages cover the following:
- Emergency Medical and Non-Emergency Medical
- Co-pay on perscriptions, etc.
- Yearly Eye Examination
- Emergency Medical Benefits; including hospital and emergency medical services
- Tuition Reimbursement
- Accidental Death or Dismemberment
- Acts of Terrorism Coverage applicable to Emergency Medical
Call Us for information on our excellant line of Student Insurance Packages.
Contact Us for assistance in chooseing the product or service that is customized for your needs and budget. Today
Disability Insurance for Truckers
Coverage designed specifically with the trucking industry in mind.
Accidents and Sicknesses happen every day! What would you do if it happened to you?
Roadside is a package of benefits designed to provide you with protection should you become unable to work due to a disability.
Benefits, such as Loss of Income, which are paid monthly for the period of time you are disabled up to the maximum amount of time allowed in the policy contract.
Traditional disability plans protect "Earned Income" yet your objective through tax planning is to show as little earned income as possible. We know your lifestyle income is not your earned income.
This is why benefits can be based on your Gross Business Revenue.
- Roadside Loss of Income provides benefit amounts between $2,000 to $5,000 per month
- You can have 24 hour coverage or Non-Occupational only.
- Payable from the FIRST DAY, to age 70
- sometimes a disability affects your ability to work part of the time. That's when Partial Disability can help by paying 50% of the benefit amount for up to 180 days.
- while you are disabled and benefits are being paid, you are not required to pay premiums and your coverage will continue.
Our disability coverage for Trucker, cover you wherever you travel, cross border and long haul drivers welcome
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for assistance in chooseing the product or service that is customized for your needs and budget. Today
Critical Illnesss Insurance
Suffering a critical illness is more common than you think.
Surving a Critical Illness is more common than you think
This year alone
- 150,000 Canadians will suffer a heart attack
- 145,500 Canadians will be diagnosed with cancer
- 50,000 Canadians will have a stroke
You may have survive a critical illness, but will you ever recover from the financial burdens?
Critical Illness insurance provides freedom to recover on your terms without the financial burdens of bills and debts to stress you out.
In the event that you become seriously ill, medical treatment and costs can add up very quickly.
If diagnosed with one of the defined which qualify, critical illness insurance provides a lump sum cash benefit to spend however you wish.
Critical illness insurance covers an individual against illnesses such as heart attack, stroke and cancer and is sold in terms of 10 years, 20 years, to the age of 75 or the age of 100, with the option to lock in premiums.
Policies can range from covering three medical conditions to as many as 24.
Critical Illness plans can be simple and affordable to help with the following:
- Pay off medical expenses
- Pay for Homecare and PSW services
- Pay off debts or household bills
- Replace income
- Pay for travel expenses for medical treatment
- Family recovery support expenditures
Contact Us
for assistance in chooseing the product or service that is customized for your needs and budget. Today
Immigrants & Visitors to Canada Insurance
Whether you’re just visiting, applying for a Super Visa, or planning on making Canada your new home, we're here to help provide for your emergency medical needs while in the country. Our simple application makes it easy for you to choose the coverage you need:
Super Visa offers affordiable plans
- You choose the deductible; $0, $100, $500 or $1,000
- You choose the amount of insurance; $25,000, $50,000, $100,000 or $150,000 in total coverage
- You choose the length of time for which you are covered
- No medical questions if you are under 55 years of age.
- No waiting period if you apply before you arrive in Canada or are replacing an existing health plan issued by a Canadian insurer.
- Without existing health coverage, there is a 2 day (48 hour) waiting period if you apply within 30 days of your arrival in Canada, or
- a 7 day (168 hour) waiting period if you apply more than 30 days after your arrival in Canada.
When visiting Canada, coverage for side trips outside of Canada of up to 15 days each, are included with your Canadian travel medical emergency plan.
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for assistance in chooseing the product or service that is customized for your needs and budget. Today
Travel Insurance
Life has a way of interrupting our best laid travel plans.
When it does, you want to know you are covered. The cost of just one medical
emergency while travelling can be financially devastating.
Not to mention trip cancellations and delays that can put a strain on your wallet.
Buying travel
It is advisable that before you travel you always check out any restrictions that may apply. For example if you rely on only your credit card to cover, your travel insurance needs, check to make sure that it covers your trip for all eventualities.
TravelStar insurance package is the best way to safeguard your finances when something unexpected happens during your travels. In partnership with an industry leading insurance company we can offer affordable travel insurance coverage to meet a variety of your traveling needs.
- In Hospital Care
- Medical Services.
- Diagnostic Services
- Out-patient Medical Treatment
- Prescription Drugs
- Rental of Essential Medical Appliances
- Emergency Dental Services
Private Duty Nursing, Health Practitioners, Road Ambulance, Air Ambulance, Remote Evacuation, Repatiation, Return of Vehicle, Special Attendnent, Return of Family Member, Return & Escort of Dependent Child/Grandchild, Family/Friends brought to Bedside, In the Event of Death Single airline ticket to deceased home province or country, Childcare. Out-of-Pocket Expenses etc.
Before you travel, always check any restrictions on travel to the destination country. Travel insurance may be void, if restrictions have been placed on your destination by the Government of Canada.
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for assistance in chooseing the product or service that is customized for your needs and budget. Today
Business Overhead Expense Coverage
You don't want to allow a personal disability to disable your business as well!
When you're self-employed you are the key contributor to the success of your business, so consider the impact if you were unable to work due to a disability for any length of time.
As a key part of your business plan you should also carry "Key-person" insurance coverage to help defer the costs of either retaining or replaceing a mamber of you management team
Business overhead expense insurance is an expense reimbursement policy that covers the fixed monthly overhead expenses required to keep a business running until the return of the insured owner, after a period of disability.
This allows business operations to continue until the insured owner either returns to work or makes a decision regarding the future of the business.
Overhead expenses are all costs on the income statement except for direct labour, direct materials, and direct expenses. Overhead expenses include accounting fees, advertising, insurance, interest, legal fees, labor burden, rent, repairs, supplies, taxes, telephone bills, travel expenditures, and utilities.
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for assistance in chooseing the product or service that is customized for your needs and budget. Today
AD & D Coverage
Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum amount of up to $300,000 in the event of an accidental death or other specific losses such as Paraplegia, Hemiplegia or Quadriplegia. A percentage of the benefit is paid for other losses listed in the policy.
AD&D insurance covers exactly what its name states: accidental death and dismemberment. What does this mean? In the event of a fatal accident or an accident that results in you losing your eyesight, speech, hearing, or a limb AD&D will pay you or your beneficiaries a specified amount.
Dismemberment coverage works on a "per-member" basis. If you lose one member (a hand, foot, limb, sight in one eye, speech or hearing), the insurance company will usually pay 50 percent of the full benefit.
If you lose two members,
you will receive the whole benefit. Coverage amounts for partial or complete paralysis vary, but are usually 25 or 50 percent.
Optional coverages sometimes include hospital stay coverage after an accident, and spouse and children coverage.
Contact US for assistance in chooseing the product or service that is customized for your needs and budget. Today
Group Insurances
Why offer your employees a benefit plan?
You operate in a competitive marketplace and it's difficult to attract and retain high-quality, experienced employees. Our group plans gives you a competitive edge over the competition - allowing you to offer big company benefits at a price that is affordable for your small business.
Plans for businesses small and large.
Flexible plan designs allow you to include coverage for things like prescription drugs, dental care costs, and travel medical emergencies. Plus you can add life and disability insurance, and more.
Your plan can be completely customized for your business needs.
- Extended Health Coverage
- health care services
- dental care
- Orthodontic Services
- vision care
- prescription drugs
- income replacement
- travel insurance
These are only of a few of the possible options you can add to your customized group insurance plan.
Working together w can customize a pokcy to fit you and your employee's need, within a budget taht is affordable for your business.
Contact Us
for assistance in chooseing the product or service that is customized for your needs and budget. Today
Fracture Accident Coverage
Did you know that fractures make up almost 50% of all our injury claims!
The EDGE Fracture Accident Benefit is a fabulous way to ensure you and your family are protected from a loss associated with an accident that results in a fracture. Unlike disability coverage, you are not required to be unable to work in order to claim for your fracture benefit and no proof of income is required.
- A TAX FREE lump sum payment!
- Coverage is applicable to any accident, anywhere in the world, 24 hours a day.
- Your benefit is paid in addition to any other coverage you may have.
- Issue ages 18-64 and coverage to age 70
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for assistance in chooseing the product or service that is customized for your needs and budget. Today